ANNISTON - OXFORD Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Anniston - Oxford averaged 6.92% for the week of 2024-02-22, compared to the national average of 6.9% for the same period.

The average rate for the prior week (2024-02-15) was 6.49% and one month ago for the week of 2024-01-18, the average rate was 6.62%.

Anniston - Oxford's average rate one year ago was 6.27%.

For refis of the same type during the week of 2024-02-22, the average rate was 6.53%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-22 6.9%
Anniston - Oxford 30 Year Fixed Rate 2024-02-22 6.92%
Anniston - Oxford 30 Year Fixed Rate Refi 2024-02-22 6.53%
Anniston - Oxford 15 Year Fixed Rate 2024-02-22 6.39%
Anniston - Oxford 15 Year Fixed Rate Refi 2024-02-22 6.59%
Anniston - Oxford 30 Year FHA 2024-02-22 -0.3%
Anniston - Oxford 30 Year FHA Refi 2024-02-22 -0.1%
Anniston - Oxford 30 Year USDA 2024-02-22 -0.75%
Anniston - Oxford 30 Year USDA Refi 2024-02-22 0.2%
Anniston - Oxford 30 Year VA 2024-02-22 -0.5%
Anniston - Oxford 30 Year VA Refi 2024-02-22 -0.2%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ANNISTON-OXFORD, AL.

ANNISTON - OXFORD Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the ANNISTON-OXFORD, AL market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 73 5.17% $3,958
QUICKEN LOANS, LLC 63 4.89% $5,424
Ameris Bank 58 5.05% $4,573
AOD Federal Credit Union 47 4.20% $3,505
UNITED WHOLESALE MORTGAGE, LLC 40 4.98% $4,386
SouthPoint Bank 39 5.07% $3,845
Regions Bank 30 5.24% $3,615
SUCCESS MORTGAGE PARTNERS, INC. 21 5.02% $4,947
Truist 19 4.32% $3,502
HUNT MORTGAGE CORPORATION 17 5.17% $4,274
ALABAMA TEACHERS 15 4.52% $2,205
VANDERBILT MORTGAGE AND FINANCE, INC. 14 5.94% $3,846
Wells Fargo Bank 13 5.18% $3,625
LOANDEPOT.COM, LLC 13 4.18% $6,236
Mr. Cooper ( Nationstar Mortgage ) 9 4.83% $5,544
PENNYMAC LOAN SERVICES, LLC 9 4.82% $6,373
AMERICA'S FIRST 8 3.51% $4,323
AlaTrust Credit Union 8 4.28% $5,010
AMERISAVE MORTGAGE CORPORATION 8 4.76% $6,230
First Federal Bank, A FSB 7 5.11% $4,536
Trustmark National Bank 6 5.83% $4,202
INTERLINC MORTGAGE SERVICES, LLC 5 4.67% $3,279
GUILD MORTGAGE COMPANY 5 5.52% $6,014
U.S. Bank 5 4.55% $3,509
BancorpSouth 5 4.90% $3,968
Renasant Bank 5 5.32% $3,781
CRESCENT MORTGAGE COMPANY 5 5.28% $2,965
NAVY FEDERAL CREDIT UNION 5 5.10% $2,782
BROKER SOLUTIONS, INC. 4 5.55% $5,618
NEWREZ LLC 4 5.13% $5,060
Flagstar Bank, FSB 4 4.09% $3,076
Assurance Financial Group, L.L.C. 4 5.91% $3,932
HOMESTAR FINANCIAL CORPORATION 4 3.91% $3,651
MORTGAGE INVESTORS GROUP, INC. 4 5.63% $5,490
PNC Bank 3 4.38% $2,914
HONDA Federal Credit Union 3 5.21% $2,854
FIRST COMMUNITY MORTGAGE, INC. 3 4.42% $4,646
MOVEMENT MORTGAGE, LLC 3 5.46% $3,285
FREEDOM MORTGAGE CORPORATION 3 5.08% $4,054
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 4.81% $6,517
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 6.94% $7,391
CHURCHILL MORTGAGE CORPORATION 2 5.94% $3,400
Citibank 2 4.81% $4,876
Consumer First Mortgage, Inc. 2 3.81% $4,055
DAS Acquisition Company, LLC 2 4.19% $3,760
Goldwater Bank, N.A. 2 5.44% $5,963
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 5.13% $4,578
HOMEOWNERS FINANCIAL GROUP USA, LLC 2 6.19% $6,277
HOMESIDE FINANCIAL, LLC 2 5.75% $3,469
Hometown Lenders, Inc. 2 5.06% $5,503
JPMorgan Chase Bank 2 5.25% $1,393
LAKEVIEW LOAN SERVICING, LLC 2 4.44% $1,941
PENTAGON FEDERAL CREDIT UNION 2 6.13% $2,663
Princeton Mortgage Corporation 2 6.56% $6,105
RELIANCE FIRST CAPITAL, LLC 2 4.69% $6,214
ROYAL UNITED MORTGAGE LLC 2 5.50% $8,449
SUN WEST MORTGAGE COMPANY, INC. 2 3.38% $2,083
ZILLOW HOME LOANS, LLC 2 3.50% $4,624
LEADERONE FINANCIAL CORPORATION 1 6.25% $4,671
Liberty Mortgage Corporation 1 4.99% $1,685
FirstBank 1 3.75% $2,676
Metro City Bank 1 3.75% $4,454
MLD MORTGAGE INC. 1 4.63% $8,877
MORTGAGE ACCESS CORP. 1 5.75% $3,547
Fifth Third Bank 1 5.63% $4,201
Mortgage Research Center, LLC 1 4.38% $533
EVERETT FINANCIAL, INC. 1 6.88% $2,323
EASTMAN 1 7.25% $2,856
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.50% $4,664
Discover Bank 1 4.49% $0
DEEPHAVEN MORTGAGE LLC 1 9.75% $12,162
NFM, INC. 1 4.63% $3,641
CROSSCOUNTRY MORTGAGE, LLC 1 5.70% $6,744
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.50% $4,480
Petefish, Skiles & Co. 1 6.63% $2,695
Community Bank of Mississippi 1 3.74% $4,064
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 4.88% $3,214
CMG MORTGAGE, INC. 1 3.50% $3,959
USAA Federal Savings Bank 1 4.25% $12,433
Prosperity Home Mortgage, LLC 1 6.75% $4,199
CIS Financial Services, Inc. 1 6.75% $3,754
REDSTONE Federal Credit Union 1 5.50% $2,385
CHERRY CREEK MORTGAGE, LLC 1 7.50% $785
ANDREWS FEDERAL CREDIT UNION 1 3.38% $2,431
CERTAINTY HOME LOANS, LLC 1 5.13% $8,555
AMERICAN FINANCING CORPORATION 1 4.99% $3,005
CALIBER HOME LOANS, INC. 1 5.63% $5,091
South State Bank 1 5.00% $2,655
SOVEREIGN LENDING GROUP INCORPORATED 1 4.75% $17,435
CALCON MUTUAL MORTGAGE LLC 1 3.50% $5,184
Sunflower Bank 1 6.50% $5,499
ALLIANT CREDIT UNION 1 2.88% $2,656
Synovus Bank 1 5.50% $3,002
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 4.25% $3,358
TJC Mortgage, Inc. 1 6.63% $4,891
HOME POINT FINANCIAL CORPORATION 1 3.75% $10,812
BETTER MORTGAGE CORPORATION 1 3.38% $3,628
GUARANTEED RATE, INC. 1 4.23% $8,193
BAY EQUITY LLC 1 3.63% $4,020
Grow Financial Federal Credit Union 1 5.25% $2,680
GMFS LLC 1 3.50% $11,125
First Guaranty Mortgage Corporation 1 2.88% $5,652
United Community Bank 1 6.50% $3,698
UNITED PREMIER FUNDING, LLC 1 4.13% $3,543

ANNISTON - OXFORD Average Closing Costs & Other Stats

ANNISTON-OXFORD, AL's 104 lenders originated 2,376 loans during 2022. The total origination value was $385,840,000, with an average loan value of $162,391.

ANNISTON - OXFORD's average closing costs are $4,479.

The top ANNISTON - OXFORD lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 73 loans originated. Their average total fees are $3,958, which is $1,466 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee ANNISTON - OXFORD lenders (with over 10 loans originated) are ALABAMA TEACHERS ($2,205), Truist ($3,502), AOD Federal Credit Union ($3,505), Regions Bank ($3,615) and Wells Fargo Bank ($3,625).

The lowest rate ANNISTON - OXFORD lenders (with over 10 loans originated) are LOANDEPOT.COM, LLC (4.18%), AOD Federal Credit Union (4.20%), Truist (4.32%), ALABAMA TEACHERS (4.52%) and QUICKEN LOANS, LLC (4.89%).

ANNISTON-OXFORD, AL Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $61,290,000 $39,415,000 -35.7% 10.2%
QUICKEN LOANS, LLC $48,705,000 $28,865,000 -40.7% 7.5%
Ameris Bank $35,530,000 $22,470,000 -36.8% 5.8%
SouthPoint Bank $16,835,000 $15,245,000 -9.4% 4.0%
UNITED WHOLESALE MORTGAGE, LLC $19,330,000 $14,975,000 -22.5% 3.9%
Regions Bank $18,170,000 $11,700,000 -35.6% 3.0%
SUCCESS MORTGAGE PARTNERS, INC. $14,900,000 $11,405,000 -23.5% 3.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $16,920,000 $11,130,000 -34.2% 2.9%
Fort McClellan Credit Union $3,585,000 $10,630,000 196.5% 2.8%
ALABAMA TEACHERS $3,860,000 $10,360,000 168.4% 2.7%
AOD Federal Credit Union $11,835,000 $9,540,000 -19.4% 2.5%
Mortgage Research Center, LLC $6,820,000 $8,270,000 21.3% 2.1%
Truist $9,495,000 $8,170,000 -14.0% 2.1%
HUNT MORTGAGE CORPORATION $6,275,000 $7,945,000 26.6% 2.1%
LOANDEPOT.COM, LLC $11,360,000 $7,235,000 -36.3% 1.9%
GUILD MORTGAGE COMPANY $7,250,000 $7,040,000 -2.9% 1.8%
WALKER & DUNLOP, LLC $6,855,000 n/a 1.8%
GREYSTONE FUNDING COMPANY LLC $5,485,000 n/a 1.4%
NobleBank & Trust $6,380,000 $5,075,000 -20.5% 1.3%
PENNYMAC LOAN SERVICES, LLC $9,640,000 $4,645,000 -51.8% 1.2%
Investar Bank $9,060,000 $4,490,000 -50.4% 1.2%
BancorpSouth Bank $530,000 $4,475,000 744.3% 1.2%
Mr. Cooper ( Nationstar Mortgage ) $6,700,000 $4,330,000 -35.4% 1.1%
Metro Bank $1,445,000 $4,170,000 188.6% 1.1%
First Bank of Alabama $7,655,000 $3,940,000 -48.5% 1.0%
AMERICA'S FIRST $2,845,000 $3,925,000 38.0% 1.0%
AlaTrust Credit Union $1,600,000 $3,625,000 126.6% 0.9%
SOUTHWEST FUNDING, LP $6,665,000 $3,525,000 -47.1% 0.9%
FREEDOM MORTGAGE CORPORATION $17,615,000 $3,475,000 -80.3% 0.9%
AMERISAVE MORTGAGE CORPORATION $5,030,000 $3,155,000 -37.3% 0.8%
Wells Fargo Bank $6,525,000 $2,700,000 -58.6% 0.7%
NEW DAY FINANCIAL, LLC $4,170,000 $2,565,000 -38.5% 0.7%
NAVY FEDERAL CREDIT UNION $2,905,000 $2,445,000 -15.8% 0.6%
HOME POINT FINANCIAL CORPORATION $7,285,000 $2,330,000 -68.0% 0.6%
Renasant Bank $18,375,000 $2,255,000 -87.7% 0.6%
Southern States Bank $500,000 $2,230,000 346.0% 0.6%
FirstBank $1,465,000 $1,890,000 29.0% 0.5%
First Federal Bank, A FSB $2,505,000 $1,885,000 -24.8% 0.5%
FIRST COMMUNITY MORTGAGE, INC. $2,160,000 $1,855,000 -14.1% 0.5%
PNC Bank $1,070,000 $1,855,000 73.4% 0.5%
JONES LANG LASALLE MULTIFAMILY, LLC $1,825,000 n/a 0.5%
Hometown Lenders, Inc. $1,785,000 $1,780,000 -0.3% 0.5%
NEWREZ LLC $4,365,000 $1,740,000 -60.1% 0.5%
Trustmark National Bank $530,000 $1,620,000 205.7% 0.4%
BAYSHORE MORTGAGE FUNDING, LLC $4,110,000 $1,610,000 -60.8% 0.4%
MORTGAGE INVESTORS GROUP, INC. $6,025,000 $1,590,000 -73.6% 0.4%
LAKEVIEW LOAN SERVICING, LLC $5,820,000 $1,555,000 -73.3% 0.4%
HOMESTAR FINANCIAL CORPORATION $2,075,000 $1,530,000 -26.3% 0.4%
U.S. Bank $1,250,000 $1,505,000 20.4% 0.4%
BROKER SOLUTIONS, INC. $1,795,000 $1,485,000 -17.3% 0.4%
TRIAD FINANCIAL SERVICES, INC. $740,000 $1,455,000 96.6% 0.4%
MOVEMENT MORTGAGE, LLC $1,015,000 $1,445,000 42.4% 0.4%
HOMEOWNERS FINANCIAL GROUP USA, LLC $160,000 $1,380,000 762.5% 0.4%
GMFS LLC $1,540,000 $1,370,000 -11.0% 0.4%
Carrington Mortgage Services, LLC $2,140,000 $1,350,000 -36.9% 0.3%
Assurance Financial Group, L.L.C. $200,000 $1,345,000 572.5% 0.3%
Flagstar Bank, FSB $1,255,000 $1,245,000 -0.8% 0.3%
CRESCENT MORTGAGE COMPANY $1,705,000 $1,135,000 -33.4% 0.3%
USAA Federal Savings Bank $2,320,000 $1,065,000 -54.1% 0.3%
Magnolia Bank $85,000 $1,045,000 1,129.4% 0.3%
VILLAGE CAPITAL MORTGAGE $4,590,000 $1,040,000 -77.3% 0.3%
Consumer First Mortgage, Inc. $4,745,000 $1,000,000 -78.9% 0.3%
CMG MORTGAGE, INC. $1,300,000 $995,000 -23.5% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $690,000 $990,000 43.5% 0.3%
HONDA Federal Credit Union $2,905,000 $990,000 -65.9% 0.3%
CALIBER HOME LOANS, INC. $1,000,000 $960,000 -4.0% 0.2%
FBC MORTGAGE, LLC $1,145,000 $925,000 -19.2% 0.2%
CHURCHILL MORTGAGE CORPORATION $640,000 $885,000 38.3% 0.2%
21ST MORTGAGE CORPORATION $1,310,000 $870,000 -33.6% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $335,000 $870,000 159.7% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,420,000 $830,000 -41.5% 0.2%
SOVEREIGN LENDING GROUP INCORPORATED $545,000 $770,000 41.3% 0.2%
EVERETT FINANCIAL, INC. $200,000 $740,000 270.0% 0.2%
ISERVE RESIDENTIAL LENDING, LLC $1,005,000 $730,000 -27.4% 0.2%
EVANSVILLE TEACHERS $1,045,000 $720,000 -31.1% 0.2%
ALABAMA CREDIT UNION $715,000 n/a 0.2%
GUARANTEED RATE, INC. $640,000 $700,000 9.4% 0.2%
INTERLINC MORTGAGE SERVICES, LLC $415,000 $700,000 68.7% 0.2%
ROYAL UNITED MORTGAGE LLC $495,000 $690,000 39.4% 0.2%
LIMA ONE CAPITAL, LLC $220,000 $685,000 211.4% 0.2%
Prosperity Home Mortgage, LLC $455,000 $660,000 45.1% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $350,000 $640,000 82.9% 0.2%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $115,000 $595,000 417.4% 0.2%
Armed Forces Bank $585,000 n/a 0.2%
LEADERONE FINANCIAL CORPORATION $1,085,000 $585,000 -46.1% 0.2%
Goldwater Bank, N.A. $1,255,000 $575,000 -54.2% 0.1%
SOUTHWEST STAGE FUNDING, LLC $185,000 $575,000 210.8% 0.1%
CIS Financial Services, Inc. $550,000 n/a 0.1%
Citibank $525,000 n/a 0.1%
Princeton Mortgage Corporation $505,000 n/a 0.1%
CERTAINTY HOME LOANS, LLC $675,000 $490,000 -27.4% 0.1%
ZILLOW HOME LOANS, LLC $985,000 $480,000 -51.3% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $105,000 $475,000 352.4% 0.1%
Nations Lending Corporation $345,000 $470,000 36.2% 0.1%
The Hometown Bank of Alabama $470,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $185,000 $465,000 151.4% 0.1%
Mid-Continent Funding, Inc. $115,000 $465,000 304.3% 0.1%
United Community Bank $465,000 n/a 0.1%
NETWORK CAPITAL FUNDING CORPORATION $265,000 $455,000 71.7% 0.1%
Bryant Bank $225,000 $450,000 100.0% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $610,000 $450,000 -26.2% 0.1%
PENTAGON FEDERAL CREDIT UNION $315,000 $425,000 34.9% 0.1%
CONTOUR MORTGAGE CORPORATION $125,000 $420,000 236.0% 0.1%
AMERICAN FINANCING CORPORATION $665,000 $405,000 -39.1% 0.1%
REDSTONE Federal Credit Union $550,000 $405,000 -26.4% 0.1%
MORTGAGE ACCESS CORP. $400,000 n/a 0.1%
Citizens Bank $2,930,000 $395,000 -86.5% 0.1%
First Guaranty Mortgage Corporation $490,000 $395,000 -19.4% 0.1%
Liberty Bank $725,000 $390,000 -46.2% 0.1%
NFM, INC. $360,000 n/a 0.1%
Bank of England $845,000 $350,000 -58.6% 0.1%
MILEND, INC. $255,000 $350,000 37.3% 0.1%
West Alabama Bank & Trust $345,000 n/a 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $340,000 n/a 0.1%
DOMINION FINANCIAL SERVICES, LLC $335,000 n/a 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $330,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $1,880,000 $330,000 -82.4% 0.1%
South State Bank $330,000 n/a 0.1%
JPMorgan Chase Bank $1,085,000 $325,000 -70.0% 0.1%
CSL Financial, LLC $180,000 $320,000 77.8% 0.1%
RELIANCE FIRST CAPITAL, LLC $360,000 $320,000 -11.1% 0.1%
River Bank & Trust $895,000 $300,000 -66.5% 0.1%
TJC Mortgage, Inc. $1,785,000 $290,000 -83.8% 0.1%
KELLER MORTGAGE, LLC $285,000 n/a 0.1%
Sunflower Bank $115,000 $285,000 147.8% 0.1%
Discover Bank $390,000 $280,000 -28.2% 0.1%
PLAZA HOME MORTGAGE, INC. $285,000 $280,000 -1.8% 0.1%
BAY EQUITY LLC $175,000 $275,000 57.1% 0.1%
Petefish, Skiles & Co. $275,000 n/a 0.1%
First South Farm Credit, ACA $270,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $590,000 $270,000 -54.2% 0.1%
HomePromise Corporation $265,000 n/a 0.1%
Bank of America $1,295,000 $260,000 -79.9% 0.1%
Chicago Mortgage Solutions LLC $260,000 n/a 0.1%
FAMILY SAVINGS $270,000 $260,000 -3.7% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $565,000 $260,000 -54.0% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $85,000 $250,000 194.1% 0.1%
Figure Lending LLC $245,000 n/a 0.1%
First Horizon Bank $135,000 $245,000 81.5% 0.1%
Northpointe Bank $290,000 $245,000 -15.5% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $285,000 $240,000 -15.8% 0.1%
Pinnacle Bank $235,000 n/a 0.1%
Bank OZK $230,000 n/a 0.1%
POLARIS HOME FUNDING CORP. $225,000 n/a 0.1%
Grow Financial Federal Credit Union $175,000 $215,000 22.9% 0.1%
CHERRY CREEK MORTGAGE, LLC $210,000 n/a 0.1%
DAS Acquisition Company, LLC $210,000 n/a 0.1%
EASTMAN $175,000 $210,000 20.0% 0.1%
CITIZENS EQUITY FIRST $205,000 n/a 0.1%
DEEPHAVEN MORTGAGE LLC $205,000 n/a 0.1%
Guardian Credit Union $205,000 n/a 0.1%
Fifth Third Bank $220,000 $200,000 -9.1% 0.1%
Mortgage Assurance Inc. $305,000 $195,000 -36.1% 0.1%
Synovus Bank $650,000 $195,000 -70.0% 0.1%
Metro City Bank $185,000 n/a 0.0%
Paramount Residential Mortgage Group, Inc. $375,000 $185,000 -50.7% 0.0%
S1L, Inc. $185,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $195,000 $175,000 -10.3% 0.0%
MLD MORTGAGE INC. $175,000 n/a 0.0%
The Federal Savings Bank $590,000 $175,000 -70.3% 0.0%
APCO EMPLOYEES $490,000 $165,000 -66.3% 0.0%
CLEARPATH LENDING $720,000 $165,000 -77.1% 0.0%
DHI MORTGAGE COMPANY, LTD. $165,000 n/a 0.0%
HOMESTEAD FUNDING CORP. $165,000 n/a 0.0%
Plains Commerce Bank $75,000 $165,000 120.0% 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $260,000 $165,000 -36.5% 0.0%
ACOPIA, LLC $425,000 $155,000 -63.5% 0.0%
Equity Prime Mortgage LLC $155,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $135,000 $155,000 14.8% 0.0%
Republic Bank & Trust Company $155,000 n/a 0.0%
UNITED PREMIER FUNDING, LLC $155,000 n/a 0.0%
ALLIANT CREDIT UNION $145,000 n/a 0.0%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $145,000 n/a 0.0%
HOMESPIRE MORTGAGE CORPORATION $145,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $95,000 $145,000 52.6% 0.0%
UNION HOME MORTGAGE CORP. $205,000 $145,000 -29.3% 0.0%
BANKSOUTH MORTGAGE COMPANY, LLC $65,000 $125,000 92.3% 0.0%
Citizens Bank & Trust $125,000 n/a 0.0%
Community Bank of Mississippi $125,000 n/a 0.0%
Cornerstone First Mortgage, Inc $125,000 n/a 0.0%
ANDREWS FEDERAL CREDIT UNION $115,000 n/a 0.0%
ANGEL OAK HOME LOANS LLC $115,000 n/a 0.0%
BETTER MORTGAGE CORPORATION $1,115,000 $115,000 -89.7% 0.0%
Liberty Mortgage Corporation $330,000 $115,000 -65.2% 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $540,000 $115,000 -78.7% 0.0%
First National Bank of Omaha $105,000 n/a 0.0%
M&T Bank $220,000 $105,000 -52.3% 0.0%
Blue Ridge Bank $685,000 $95,000 -86.1% 0.0%
CALCON MUTUAL MORTGAGE LLC $95,000 n/a 0.0%
FINANCE OF AMERICA MORTGAGE LLC $185,000 $75,000 -59.5% 0.0%
MIDWEST LOAN SOLUTIONS, INC. $75,000 n/a 0.0%
EvaBank $120,000 $70,000 -41.7% 0.0%
AMERICAN ADVISORS GROUP $140,000 $65,000 -53.6% 0.0%
CREDIT UNION FINANCIAL SERVICES, LLC $65,000 n/a 0.0%
DELTA COMMUNITY CREDIT UNION $25,000 $65,000 160.0% 0.0%
AUBURN UNIVERSITY CREDIT UNION $55,000 n/a 0.0%
AVADIAN $135,000 $55,000 -59.3% 0.0%
First National Bank of America $45,000 n/a 0.0%
GTE Federal Credit Union $45,000 n/a 0.0%
TOWER $45,000 n/a 0.0%
SPRING EQ, LLC $35,000 n/a 0.0%
First Volunteer Bank $25,000 n/a 0.0%

ANNISTON - OXFORD's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 10.2% market share. In second place, with 7.5%, is QUICKEN LOANS, LLC, having originated $28,865,000 in loans. In third place, with 5.8%, is Ameris Bank, having originated $22,470,000 in loans. In fourth place, with 4.0%, is SouthPoint Bank, having originated $15,245,000 in loans. In fifth place, with 3.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $14,975,000 in loans.


ANNISTON - OXFORD Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - ANNISTON - OXFORD (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $119,900 (9.1%) $152,178 (7.0%) 0.00 482
2018-02-01 $118,250 (0.7%) $148,230 (0.1%) 0.00 504
2018-03-01 $119,250 (-0.5%) $150,358 (-1.6%) 0.00 491
2018-04-01 $119,925 (-0.9%) $155,667 (1.6%) 0.00 477
2018-05-01 $121,450 (1.3%) $159,421 (5.2%) 0.00 465
2018-06-01 $124,900 (4.1%) $159,461 (4.3%) 0.00 476
2018-07-01 $125,975 (0.8%) $157,995 (2.0%) 0.00 489
2018-08-01 $124,900 (0.0%) $153,433 (-1.8%) 0.00 509
2018-09-01 $124,900 (5.0%) $152,804 (0.8%) 0.00 495
2018-10-01 $124,900 (7.8%) $158,790 (4.5%) 0.00 480
2018-11-01 $125,000 (5.0%) $164,160 (8.6%) 0.00 461
2018-12-01 $125,000 (4.2%) $166,912 (8.9%) 0.00 449
2019-01-01 $119,800 (-0.1%) $162,130 (6.5%) 0.00 436
2019-02-01 $119,900 (1.4%) $163,701 (10.4%) 0.00 406
2019-03-01 $123,029 (3.2%) $169,435 (12.7%) 0.00 381
2019-04-01 $128,550 (7.2%) $174,725 (12.2%) 0.00 368
2019-05-01 $133,450 (9.9%) $180,892 (13.5%) 0.00 375
2019-06-01 $134,950 (8.1%) $182,809 (14.6%) 0.00 372
2019-07-01 $144,150 (14.4%) $189,453 (19.9%) 0.00 376
2019-08-01 $142,200 (13.9%) $186,627 (21.6%) 0.00 390
2019-09-01 $138,150 (10.6%) $182,175 (19.2%) 0.00 401
2019-10-01 $135,900 (8.8%) $179,878 (13.3%) 0.00 408
2019-11-01 $135,500 (8.4%) $182,411 (11.1%) 0.00 389
2019-12-01 $139,575 (11.7%) $182,975 (9.6%) 0.00 380
2020-01-01 $139,450 (16.4%) $182,927 (12.8%) 0.00 380
2020-02-01 $140,000 (16.8%) $183,249 (11.9%) 0.00 388
2020-03-01 $139,950 (13.8%) $185,265 (9.3%) 0.00 357
2020-04-01 $139,900 (8.8%) $181,491 (3.9%) 0.00 359
2020-05-01 $139,900 (4.8%) $178,863 (-1.1%) 0.00 347
2020-06-01 $139,900 (3.7%) $185,223 (1.3%) 0.00 316
2020-07-01 $141,225 (-2.0%) $184,666 (-2.5%) 0.00 321
2020-08-01 $150,200 (5.6%) $189,844 (1.7%) 0.00 274
2020-09-01 $153,675 (11.2%) $195,376 (7.3%) 0.00 233
2020-10-01 $154,900 (14.0%) $197,226 (9.6%) 0.00 222
2020-11-01 $159,900 (18.0%) $198,266 (8.7%) 0.00 199
2020-12-01 $150,150 (7.6%) $185,026 (1.1%) 0.00 199
2021-01-01 $149,900 (7.5%) $188,349 (3.0%) 0.00 184
2021-02-01 $153,900 (9.9%) $181,095 (-1.2%) 0.00 172
2021-03-01 $154,900 (10.7%) $183,937 (-0.7%) 0.00 149
2021-04-01 $167,450 (19.7%) $211,619 (16.6%) 0.00 131
2021-05-01 $164,950 (17.9%) $208,164 (16.4%) 0.00 131
2021-06-01 $164,950 (17.9%) $203,238 (9.7%) 0.00 140
2021-07-01 $179,900 (27.4%) $215,237 (16.6%) 0.00 155
2021-08-01 $178,400 (18.8%) $223,495 (17.7%) 0.00 163
2021-09-01 $187,400 (22.0%) $230,843 (18.2%) 0.00 166
2021-10-01 $179,900 (16.1%) $235,935 (19.6%) 0.00 158
2021-11-01 $189,675 (18.6%) $238,366 (20.2%) 0.00 165
2021-12-01 $173,700 (15.7%) $242,192 (30.9%) 0.00 157
2022-01-01 $166,000 (10.7%) $231,041 (22.7%) 0.00 153
2022-02-01 $158,650 (3.1%) $206,191 (13.9%) 0.00 155
2022-03-01 $146,175 (-5.6%) $204,752 (11.3%) 0.00 146
2022-04-01 $153,500 (-8.3%) $201,257 (-4.9%) 0.00 153
2022-05-01 $164,950 (0.0%) $212,315 (2.0%) 0.00 170
2022-06-01 $178,450 (8.2%) $215,451 (6.0%) 0.00 190
2022-07-01 $175,000 (-2.7%) $203,109 (-5.6%) 0.00 220
2022-08-01 $182,650 (2.4%) $214,199 (-4.2%) 0.00 230
2022-09-01 $185,575 (-1.0%) $221,363 (-4.1%) 0.00 231
2022-10-01 $187,450 (4.2%) $238,103 (0.9%) 0.00 233
2022-11-01 $187,050 (-1.4%) $243,385 (2.1%) 0.00 243
2022-12-01 $179,000 (3.1%) $238,517 (-1.5%) 0.00 231
2023-01-01 $182,999 (10.2%) $242,261 (4.9%) 0.00 208
2023-02-01 $173,775 (9.5%) $241,285 (17.0%) 0.00 197
2023-03-01 $178,875 (22.4%) $251,455 (22.8%) 0.00 163
2023-04-01 $179,450 (16.9%) $251,262 (24.9%) 0.00 174
2023-05-01 $197,675 (19.8%) $259,884 (22.4%) 0.00 181
2023-06-01 $194,450 (9.0%) $252,704 (17.3%) 0.00 175
2023-07-01 $199,900 (14.2%) $259,247 (27.6%) 0.00 195
2023-08-01 $204,900 (12.2%) $257,515 (20.2%) 0.00 195
2023-09-01 $202,450 (9.1%) $258,382 (16.7%) 0.00 212
2023-10-01 $199,900 (6.6%) $251,565 (5.7%) 0.00 233
2023-11-01 $208,155 (11.3%) $251,700 (3.4%) 0.00 223
2023-12-01 $199,900 (11.7%) $246,919 (3.5%) 0.00 226
ANNISTON - OXFORD's median listing price for 2023-12-01 was $199,900, a difference of $20,900 (11.7%) versus the prior year and $-8,255 versus the prior month.

ANNISTON - OXFORD's median listing price comes in at 0% of the national average.

ANNISTON - OXFORD's average listing price for 2023-12-01 was $246,919, a difference of $8,402 (3.5%) versus the prior year and $-4,781 versus the prior month.

For the 2023-12-01 period, ANNISTON - OXFORD had 226 MLS listings, a difference of 3 listings (1%) versus the prior month and -5 listings (-2%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - ANNISTON - OXFORD (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,757 sqft
2018-02-01 0 days 1,679 sqft
2018-03-01 0 days 1,653 sqft
2018-04-01 0 days 1,667 sqft
2018-05-01 0 days 1,660 sqft
2018-06-01 0 days 1,658 sqft
2018-07-01 0 days 1,662 sqft
2018-08-01 0 days 1,662 sqft
2018-09-01 0 days 1,648 sqft
2018-10-01 0 days 1,642 sqft
2018-11-01 0 days 1,663 sqft
2018-12-01 0 days 1,653 sqft
2019-01-01 0 days 1,626 sqft
2019-02-01 0 days 1,642 sqft
2019-03-01 0 days 1,654 sqft
2019-04-01 0 days 1,647 sqft
2019-05-01 0 days 1,662 sqft
2019-06-01 0 days 1,706 sqft
2019-07-01 0 days 1,737 sqft
2019-08-01 0 days 1,743 sqft
2019-09-01 0 days 1,752 sqft
2019-10-01 0 days 1,750 sqft
2019-11-01 0 days 1,744 sqft
2019-12-01 0 days 1,756 sqft
2020-01-01 0 days 1,775 sqft
2020-02-01 0 days 1,825 sqft
2020-03-01 0 days 1,852 sqft
2020-04-01 0 days 1,842 sqft
2020-05-01 0 days 1,830 sqft
2020-06-01 0 days 1,840 sqft
2020-07-01 0 days 1,849 sqft
2020-08-01 0 days 1,845 sqft
2020-09-01 0 days 1,831 sqft
2020-10-01 0 days 1,823 sqft
2020-11-01 0 days 1,806 sqft
2020-12-01 0 days 1,770 sqft
2021-01-01 0 days 1,781 sqft
2021-02-01 0 days 1,765 sqft
2021-03-01 0 days 1,748 sqft
2021-04-01 0 days 1,845 sqft
2021-05-01 0 days 1,830 sqft
2021-06-01 0 days 1,890 sqft
2021-07-01 0 days 1,889 sqft
2021-08-01 0 days 1,846 sqft
2021-09-01 0 days 1,900 sqft
2021-10-01 0 days 1,889 sqft
2021-11-01 0 days 1,961 sqft
2021-12-01 0 days 1,947 sqft
2022-01-01 0 days 1,784 sqft
2022-02-01 0 days 1,589 sqft
2022-03-01 0 days 1,615 sqft
2022-04-01 0 days 1,614 sqft
2022-05-01 0 days 1,717 sqft
2022-06-01 0 days 1,746 sqft
2022-07-01 0 days 1,775 sqft
2022-08-01 0 days 1,795 sqft
2022-09-01 0 days 1,793 sqft
2022-10-01 0 days 1,853 sqft
2022-11-01 0 days 1,842 sqft
2022-12-01 0 days 1,812 sqft
2023-01-01 0 days 1,771 sqft
2023-02-01 0 days 1,757 sqft
2023-03-01 0 days 1,767 sqft
2023-04-01 0 days 1,700 sqft
2023-05-01 0 days 1,811 sqft
2023-06-01 0 days 1,836 sqft
2023-07-01 0 days 1,883 sqft
2023-08-01 0 days 1,841 sqft
2023-09-01 0 days 1,860 sqft
2023-10-01 0 days 1,813 sqft
2023-11-01 0 days 1,792 sqft
2023-12-01 0 days 1,779 sqft
ANNISTON - OXFORD's median listing age (time on market) for 2023-12-01 was 0 days.

ANNISTON - OXFORD's median square footage for active listings during the 2023-12-01 period was 1,779 sqft. One year prior, the average listing was 1,812 sqft.

ANNISTON-OXFORD, AL Average Rent (2023)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
35096 Anniston-Oxford-Jacksonville, AL $690 $690 $910 $1,210 $1,360
35905 Anniston-Oxford-Jacksonville, AL $540 $570 $710 $890 $990
36201 Anniston-Oxford-Jacksonville, AL $530 $540 $710 $940 $1,050
36202 Anniston-Oxford-Jacksonville, AL $560 $560 $740 $980 $1,110
36203 Anniston-Oxford-Jacksonville, AL $680 $680 $900 $1,190 $1,340
36204 Anniston-Oxford-Jacksonville, AL $560 $560 $740 $980 $1,110
36205 Anniston-Oxford-Jacksonville, AL $540 $540 $710 $940 $1,060
36206 Anniston-Oxford-Jacksonville, AL $540 $540 $710 $940 $1,060
36207 Anniston-Oxford-Jacksonville, AL $620 $620 $820 $1,090 $1,220
36250 Anniston-Oxford-Jacksonville, AL $680 $680 $900 $1,190 $1,340
36257 Anniston-Oxford-Jacksonville, AL $560 $560 $740 $980 $1,110
36260 Anniston-Oxford-Jacksonville, AL $530 $540 $710 $940 $1,050
36265 Anniston-Oxford-Jacksonville, AL $530 $540 $710 $940 $1,050
36271 Anniston-Oxford-Jacksonville, AL $550 $550 $730 $970 $1,090
36272 Anniston-Oxford-Jacksonville, AL $530 $540 $710 $930 $1,040
36277 Anniston-Oxford-Jacksonville, AL $660 $670 $880 $1,170 $1,310
36279 Anniston-Oxford-Jacksonville, AL $550 $570 $740 $960 $1,060

2022 Average & Median Rent Data Statistics
ANNISTON-OXFORD, AL average 1BR rent: $585, median: $560
ANNISTON-OXFORD, AL average 2BR rent: $769, median: $740
ANNISTON-OXFORD, AL average 3BR rent: $1,014, median: $970

ANNISTON-OXFORD, AL Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,393 $238,115,000 $170,937
Cash Out Refi 484 $75,330,000 $155,640
Refi 299 $58,835,000 $196,773
Other 102 $7,840,000 $76,863
Home Improvement 97 $5,645,000 $58,196
NA 1 $75,000 $75,000

Anniston - Oxford's most frequently cited loan purpose was Home Purchase, with 1,393 originations. The 2nd most popular reason was Cash Out Refi, with 484 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 573 $97,825,000 $170,724
4-5% 523 $92,245,000 $176,377
3-4% 453 $79,745,000 $176,038
6-7% 257 $36,755,000 $143,016
2.5-3% 150 $26,170,000 $174,467
7-8% 80 $10,150,000 $126,875
Over 8% 75 $4,555,000 $60,733
<2.5% 39 $6,255,000 $160,385

During 2022, Anniston - Oxford's most frequently originated rate bucket was 5-6%, with 573 originations.

Loan Sizing (ANNISTON-OXFORD, AL MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,131 $165,075,000 $145,955
$100,000 or less 691 $41,255,000 $59,703
$200k-400k 486 $126,940,000 $261,193
$400k-600k 52 $24,070,000 $462,885
$600k-1000k 9 $5,895,000 $655,000
$Over $1MM 7 $22,605,000 $3,229,286

ANNISTON - OXFORD's loan sizing saw the bucket of loans from $100k-200k with 1,131 originations, totaling $165,075,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,131 $202,705,000 $179,226
60-80% 512 $101,970,000 $199,160
40-60% 216 $26,350,000 $121,991
20-40% 129 $8,705,000 $67,481
Under 20% 112 $3,560,000 $31,786
Over 100% 39 $8,985,000 $230,385

ANNISTON - OXFORD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,131 originations, totaling $202,705,000 in origination value.